I finally got P411, and ready to start hobbying.  One of my last questions is whether there are pros and cons to incall vs. outcall or if it matters at all.  It seems to me that incall has more LE risks, but I am not sure if there are risks having the provider come to my house.  What do people think?

outcall to your your home is not a good idea, for a lot of reasons.  There are risks in both situations, but it's never a good idea to invite a provider you have never met to come to your home.  I would only do that after establishing a good rapport with her following several visits to her incall.  Once she knows where you live, who knows who else knows the layout of your house?  You don't know, even if she drives herself.  Your neighbors will be a big possibility of disaster to deal with as well.

Swim

If something goes wrong, she knows where you live and your real name.

You are basically committed once you do an outcall.  If she not the girl you want or who she represented, you are fucked, because if you tell her to leave, she can make a scene.

Very bad upside/downside scenario.

Someone has suggested to get a fake DL, but it won't work because most upscale hotels require CC with your name on it. I sure wish someone else has figure out a way to do it without leaving paper trail.

I live in an apartment and you can't get in the front door without having a key or being buzzed up. Does that make outcall less risky?

They still need a CC with your name on it for incidentals. My fear is that I forget a charge and didn't pay it when I check out. It will become a problem when they put the charge on the CC and send a bill to my home.

Get a prepaid card and use a post office box as the mailing address.  PO boxes are really cheap.